A Boss In Wenzhou Used The Bank'S Flag To Deceive &Nbsp; 50 People Were Loans 15 Million.

In Wenzhou Lucheng rural cooperative bank low stool Bridge Branch, one claiming to be "

Reporters learned that, at present, Wenzhou Lucheng District Economic Investigation Brigade has investigated the matter, the number of victims identified about 48~50, the loan amount of each person is 300 thousand yuan, a total of 15 million yuan.

Other loans have not been approved for approval, and some individual loans have been taken away by myself.

A well designed scam.

Mr. Zhang told his daily economic news reporter about his unusual loan experience in Wenzhou.

In early September, according to his parents, Chen Fanrong, his aunt, told him that he was saving money for the bank. Mr. Zhang would borrow a sum of money from the bank in the name of "small business loan", and then they would put the money in the bank.

Chen Fanrong assured him that the money would not flow into the society or need him.

Because of the trust in Chen Fanrong, and the temptation to avoid electricity charges, Mr. Zhang felt that he did not lose anything without collateral. He signed the bank with his photocopy of his identity card.

Mr. Zhang told the daily economic news: "she didn't see clearly what she signed, and she (Chen Fanrong) hurried to sign it. It's okay."

Chen Fanrong also told Mr. Zhang: "you can also ask some friends to come. We help them and make some money for them.

Let them bring their ID cards to do the cards. We will give him 1000 yuan a month in the card. "

So Mr. Zhang called six or seven friends and asked them to do the cards under Chen Fanrong's command.

Because Chen Fanrong believed that the loan was going on, Mr. Zhang helped Chen Fanrong pfer the money to her designated account.

Most of those who signed for the bank were old friends, colleagues or relatives who met Chen Fanrong.

Even if we do not know Chen Fanrong directly, we will introduce the past signature through our friends and relatives.

However, they were hardly known in five of a group and had never had contact before.

The bank denied that Chen was his employee.

Many people believed Chen Fanrong's "help to pull deposits" and "do things without water and electricity charges". They signed the cards and gave Chen Fanrong another unused card number. Some people helped him to pfer money just like Mr. Zhang, and others directly helped her get the cash out.

An important reason for these victims is that they are convinced that Chen Fanrong is a bank employee.

In recent years, Chen Fanrong has been using a title as "Lucheng Rural Cooperative Bank city branch of the low stool Bridge Branch Marketing staff" business card.

The business card provided by the victim Li Yuan to the daily economic news shows that the office address on the business card is No. 23, Wenzhou's low stool bridge, and the telephone and fax are all used by the Lucheng rural cooperative bank.

Because too much belief in Chen Fanrong, 23 year old boy Li Ming (alias) also consciously made "accomplices".

Chen said recently the bank had a concession to help customers pay for utilities. Li Ming could come and help her to do something.

Li Ming not only made his own card, but also helped Chen Fanrong take other people's money.

According to Li Ming, Chen Fanrong gave him 3 other cards at the time, and said that he was busy with his work, and asked Li Ming to help her to withdraw the money from the 3 accounts.

Li Ming immediately said that more than 50 thousand had to be present, and his ID card was also required.

Chen Fanrong said that the withdrawal of money from internal banks does not require such complicated procedures.

Li Ming did so according to Chen's words, and it turned out to be a success of 1 million 200 thousand yuan.

Chen Fanrong also told him to take the money out directly and put it in the director's office.

According to Li Ming, Chen Fanrong, the director of Lucheng rural cooperative bank's low stool Bridge Branch, was also in office at the time of the day's money.

According to the victim, "our signature is signed by the bank. The monitoring inside the bank can give evidence.

Chen Fanrong and her director, Li Jun, are very familiar with it. She can get in and out of the bank freely and have her desk in the bank.

In response, people from the office of the Lucheng rural cooperative bank said Chen Fanrong was not an employee but a business owner.

Most people still borrow their own autographs. They are abetted by the public and have the desire to gain benefits. Now the other side runs away and pushes the responsibility to the bank.

At present, this matter has been handed over to the banking regulatory bureau for processing.

Li Jun, director of the branch office of the low stool bridge suspected of being suspected by the victims, is also involved, even colluding with Chen Fanrong.

Lucheng rural cooperative bank said the above is not clear, Li Jun is also in line with the relevant departments of the investigation.

The daily economic news reporter learned from the Wenzhou banking regulatory bureau that the CBRC is concerned about and understood this matter.

It is understood that this is a personal behavior, not a bank's behavior. Money is pferred from a personal account. It will not affect the safety of depositors' funds, nor will it cause systemic banking risks.

The specific situation remains to be investigated by public security.

Unidentified "five person joint guarantee"

It is understood that the matter was finally exposed in the early hours of September 21, 2011, Chen Fanrong absconded with fund-raising and loans.

Some people who did not know each other knew that Chen Fanrong was arranged as a form of "5 person joint guarantee", that is, 5 people in each group, and 300 thousand guarantees for each group of members.

In September 21st, Mr. Zhang couldn't get through to Chen Fanrong's phone. He heard Chen's friend say Chen must have run away.

Mr. Zhang knew from the bank that he signed a loan of 300 thousand yuan, and that he joined the other four people in doing five people's joint insurance.

Mr. Zhang said, "the other four people I didn't know at all, nor signed together."

In September 23rd, Li Yuan received a telephone call from the Rural Cooperative Bank of Lucheng district. He said he had a loan to check in the bank. Li Yuan realized that the matter was not good enough. Then he telephoned Chen Fanrong and her relatives.

In September 29th, the daily economic news reporter called Chen Fanrong mobile phone, but she never answered it.

A list received by the daily economic news shows that Chen Fanrong has organized 12 groups of joint guarantee groups, 5 in each group.

According to incomplete statistics, the estimated number of 48~50 victims is about 300 thousand yuan per person, amounting to about 15 million yuan.

Other loans approved by individual groups were not approved, and some individual loans were taken away by myself.

On the official website of the Rural Cooperative Bank of Lucheng, Wenzhou, the "farmers' joint guarantee loan" stipulates: "farmers' joint guarantee loans" means that the farmers or community residents form a joint guarantee group on a voluntary basis, which is issued by all the branches of our network to the members of the joint protection group and jointly guaranteed by the members of the joint guarantee group.

The loan condition is: "economic independence, there is a fixed residence in the service area of our bank; there is a demand for loan funds; a legitimate and stable income."

The head of a bank's internal risk control department says that individual joint insurance usually refers to 5 people or 3 persons in one group. In this case, the bank may be dereliction of duty in the first place is the use of money without investigation, and the two is the ability to repay the individual without investigation.

The daily economic news reporter called a branch of Wenzhou Lucheng rural cooperative bank in the name of the customer. The branch credit officer said, "if you want five person joint guarantee loan, five people will have capital requirements, and five of you must know and sign the contract at the same time. The five of you are jointly and severally guaranteed."